Plain-English guides to repaying, refinancing and dealing with your CEBA loan before the December 31, 2026 deadline. See all CEBA guides.
Updated October 21, 2026
Have a CEBA loan with BMO? How to get your payoff amount, repay it, and what happens if you can't pay BMO by December 31, 2026.
Updated October 21, 2026
Have a CEBA loan with RBC Royal Bank? How to get your payoff amount, repay it, and what happens if you can't pay RBC by December 31, 2026.
Updated October 20, 2026
Your CEBA loan is due December 31, 2026. Here is what happens if it is not repaid, how CRA collections work, and how refinancing compares.
Updated October 21, 2026
Closing your business does not cancel a CEBA loan. What happens to the balance for corporations and sole proprietors, and your options before December 31, 2026.
Updated October 21, 2026
What you need to refinance a CEBA loan before December 31, 2026: typical minimums for time in business, revenue and credit, the documents lenders ask for, and options for sole
Updated October 21, 2026
Have a CEBA loan with TD? How to get your payoff amount, repay it, and what happens if you can't pay TD by December 31, 2026.
Updated October 21, 2026
Are you personally liable for your CEBA loan? It depends on how your business is structured. What corporations, sole proprietors and partners need to know before December 31, 2026.
Updated October 21, 2026
The CEBA loan itself is not taxable, but the forgivable portion was. How CEBA tax rules work in 2026 if you repaid, refinanced or missed forgiveness.
Updated October 21, 2026
Missing the December 31, 2026 CEBA deadline won't automatically make you bankrupt. What actually happens, when bankruptcy or a consumer proposal comes into it, and other options.
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